In the case of online shopping you will need the following information:

* Credit card number: 10, 15 or 16 digit number, it is on the front side of the card.
* CVC2 (CVV2) code: you can find it on the back side of the card in the signature panel, it can be read after the 3-digit number what is only used for online purchases. MasterCard, VISA and VISA Electron cards have CVC2 code.
* Credit card expiry date: the date is on the front side of the card in the format mm / yy. That is, for example according to the 05/07 mark on the credit card means that the card is valid until the last day of May 2007.

What cards can you do your online shopping?

You can only do your online shopping by credit cards what have CVC2 code: these are MasterCards, VISA or VISA Electron cards.

By MasterCard Electronic and Maestro credit cards you can not perform online transactions.

The OTP Bank's credit cards for online shopping: 

*Virtual WEB card
* Standard MasterCard
* Gold Prestige MasterCard
* MasterCard Currency
* MasterCard credit card
* MasterCard Gold Credit Card
* Multipoint MasterCard credit card
* C-credit MasterCard
* C-credit Multipoint MasterCard
* VISA Electron
* VISA Classic
* VISA Credit Card
* American Express Blue Credit Card
* American Express Gold Credit Card
* VISA Electron Junior Max credit cards
* VISA Electron Junior Plus credit cards
* PTE Junior Max

 
The safety of online shopping

The common feature of online, telephone and postal payments that the card is not physically presented during the transaction. It requires on your part in many ways your greater caution.

You always have to keep your credit card datas confidentially!

Make sure you don't provide the card number and card expiration date to unauthorized persons!

In a growing number the dealers request among the other datas the 3-digit card verification code what you can find in the signature panel of the card– it is also used to call CVC2 or CVV2 - (the card number or last four digits of its completion) serves the identification of the cardholder

You have to treat this code so carefully as the PIN code!

Only on a known, reliable place initiate credit card payments!

You have to only buy at an internet card accepting place where you have already done it without a problem. If you would pay at a new place it would be well advised to review carefully the website of the following terms:

* what does it sell, what kind of service does it make,
* do you find detailed product information,
* can you find the address, the fixed-line telephone number and the e-mail address of the firm ,
* contract, payment and delivery terms are indicated. If it is not indicated it could arise suspicion in you, and if it is available review it carefully especially the small print,
* check where and within what period of time can you refer complaints in the case of quality objections, under what conditions can you annul your order, when and in what form will you receive your money back,
* pay attention to the wording, if you can find spelling errors it could be suspicious if a website seems quicky edited. In the cases just like this do not buy from the dealer!

As soon as the credit card payment will be made always make sure that the logo of the cards what is accepted by the dealer (MasterCard and / or VISA) is marked (as in the "traditional" shops)! Compare this to that shown on your card! Is it really the same or is it only very similar?

Check that the communication is encrypted or not! Refers to this in the URL address of "https" and the padlock in the lower right corner of the page corner or the key in the lower left corner of the page. When you are clicking on one of thoes icons it should appear the certificate.

Each purchase occasion print the order, its confirmation, the given payment information, the product information of the ordered goods , etc! Keep the internet identity confidential!

Always log off the actual website if you have completed your shopping or only you looked around! This is particularly important in Internet cafes or all the places where the PC is used by any other!

 
PAYMENT PROCESS

How does the banking background task of the online payment?

As the customer selected the credit cart payment method, initiates the payment on the dealer's / service provider's website and directed to a transfering site of the Bank what is supplied with a secure comunication channel. When you would like to pay it is necessary to give your card number, expiration date and the the 3 digit validation code what is on the back side's “signature” panel. You start the transaction henceforth the card goes through a real-time authorization that means the card is verified that it's genuine and what coverage and purchasing limit has it. If the transaction can be continued with all of the verified datas, the amount to be paid is blocked by the bank where you have your account (from which you have get the credit card).The amount charged to an account (deducted from your account) from your bank comes about within a few days (depending on the bank).

How does the traditional shopping from the online credit card shopping differ?
 

We can differentiate transactions with the presence of the card (Card Present) and without the presence of the card (Card Not Present) transactions.
  The Card Present transactions take place using by POS terminal. After the card is swiped and the PIN code is entered the terminal contacts to the cardholder's bank via the authorization center and depending on the type of the card or the card's issuer through the VISA or MasterCard network. Here happens the checking of validity and coverage (authorisation). The information is coming back on the former route the POS terminal (or the dealer) receives the approval or denial. The customer signs the voucer.
  The Card not Present is a transactions where the card is not physically present. Includes the transactions via letter, telephone or electronic means (internet) where the customer (cardholder) initiates the transaction by entering the requested card datas to a secure (128-bit encrypted) payment site. If a transaction is successful you will receive a so-called. authorization number, which corresponds with the number of the paper-based sales.

What does the booking mean?

When the bank becomes aware of the transaction there follows an immediately reservation (blocking) as for the actual debit the official data must arrive which takes a few days and during the purchased amount would be spend once more. Therefore, the money used for the purchase is separated or reserved. The separated amount is involved to the account balance that is associated with interest but it can't be spent once more. The reservation ensures the rejection of those transactions which has no cover although the account balance would provide an opportunity for it. If within a few days the debit will not receive the bank could liberate the reservation which thus becomes disbursable. In this case it would be well advised to consult with the bank, because the debit is certainly sooner or later will arrive.